| Privacy Policy |
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Keeping personal information private helps protect you from identity theft and financial loss. Recently there has been a lot of talk concerning the privacy of consumer financial information. We have never shared non-public personal information and we will continue to protect your privacy. |
Your Responsibilities |
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Do not provide account numbers or personal information unless required-including home phone numbers, driver's license, credit card, credit union or bank account numbers, and especially your Social Security number. CCSE will never request that you provide us with confidential information over un-secure channels such as e-mail. Tear up or shred discarded papers that include an account or personal ID number. Use your credit card only on secure Internet sites and with reputable retailers. Look for the padlock symbol on the bottom of your browser. This yellow symbol indicates that the site you are on is a secure web site. We do not disclose your non-public personal information other than to non-affiliated third parties as permitted by law (for example, to reputable credit reporting bureaus). We only ask for information that we truly need to complete a transaction or maintain a business relationship with you. We use this information to protect & administer your records, accounts, and funds. |
| Our Responsibilities |
| We do not disclose your non-public personal information other than to nonaffiliated third parties as permitted by law |
| We only ask for information that we truly need to complete a transaction or maintain a business relationship with you. |
| We use this information to protect and administered your records, accounts, and funds |
| Types of Information That We Collect |
| Identifying Information |
| • Name and Address |
| • Social Security Number |
| • Information from consumer reports such as credit-worthiness and credit history. |
| Application Information |
| • Assets and income |
| Transaction Information |
| • Account Balance |
| • Payment History |
| • Parties to the transaction |
| • Credit Card Usage |
| What We Do To Protect the Confidentiality & Integrity on Non - Public Personal Information |
| We restrict employee access to personal information to a "need-to-know" basis. Only employees who legitimately require your personal data to complete a business transaction will ever see it. We strictly enforce procedures that prevent un-authorized access to your data. We require all organizations to which we have provide data as permitted by law to have similar privacy safeguards, to further ensure your confidentiality. |
| Negative Information Notice |
| We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. |
| Privacy of Electronic Transactions |
| Electronic interfaces with member (such as Internet transactions) will be encrypted using Secure Socket Layer (SSL) 128-bit or better encryption. |
| Member account information and transactions will be protected by a password that must be used in conjunction with a username or account number. Members must apply for this capability and be registered with the Credit Union for authentication purposes. |
| The Credit Union may use "cookies" as part of its web site interface. A "cookie" is a small file that is placed on the user's computer. While it contains no member information, it identifies the member's computer and allows the Credit Union to measure usage of the web site and customize the web site experience. The Credit Union will frequently link to other sites as a convenience to our members. The Credit Union will seek to link with other sites that adhere to similar privacy standards. However, the Credit Union is not responsible for the content of linked sites, or for their policies on the collection of member information. |
| The Credit Union will not collect, use, or disclose online information received from children under age 13 without prior parental notification and consent, which will include the opportunity for the parent to prevent use of information and participation in the activity. Online information will only be used to respond directly to the child's request and will not be used for other purposes without prior parental consent. |
• The Credit Union will not distribute to third parties, other than its affiliates, personally identifiable information without prior parental consent. |
• The Credit Union will not post or otherwise distribute personally identifiable information without prior parental consent. |
• The Credit Union will not entice by the prospect of a special game, prize, or other activity, to divulge more information than is needed to participate in the activity. |
• Personally identifiable information collected online from their children may be reviewed by a parent or guardian upon written request. The parent or guardian has the right to have information deleted and instruct the Credit Union to cease collecting further information from their child. |
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| Truth in Savings |
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Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in the Truth-In-Savings Disclosure are share accounts. |
Rate Information |
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The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union's Board of directors. The dividend rate and annual percentage yields are the rates and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. |
| Nature of Dividends |
| Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period |
| Dividend Compounding and Crediting |
| The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. |
| Accrual of Dividends |
| For all accounts, dividends will begin to accrue on non-cash deposits (ie. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, you will not receive the accrued dividends. |
| Balance Information |
| The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union's Board of directors. The dividend rate and annual percentage yields are the rates and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. |
| Account Limitations |
| For all accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. For Club accounts, the entire balance will be paid to you by check or transferred to another account of yours on or after the cut-off date,(on or after Oct. 1st for Holiday Clubs and on or after July 1st for Summer Days) and the account will remain open. |
| Fees for Overdrawing Accounts |
| Fees for overdrawing your account may be imposed on each check, draft, item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer for paying a check, draft, or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. |
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